LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,797
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,626
−HK$1,858/mo
Today · 4.125%
HK$62,484
baseline
▲ 0.50% · 4.625%
HK$66,286
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,968/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,411
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,165
−HK$1,780/mo
Today · 4.125%
HK$68,945
baseline
▲ 0.50% · 4.625%
HK$72,579
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,890/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,556
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,751
−HK$2,230/mo
Today · 4.125%
HK$74,981
baseline
▲ 0.50% · 4.625%
HK$79,543
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,962/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,493
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,598
−HK$2,136/mo
Today · 4.125%
HK$82,734
baseline
▲ 0.50% · 4.625%
HK$87,095
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,468/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,316
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,876
−HK$2,602/mo
Today · 4.125%
HK$87,478
baseline
▲ 0.50% · 4.625%
HK$92,800
+HK$5,322/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,956/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,575
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,031
−HK$2,492/mo
Today · 4.125%
HK$96,523
baseline
▲ 0.50% · 4.625%
HK$101,611
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,046/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,835
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,127
−HK$3,344/mo
Today · 4.125%
HK$112,471
baseline
▲ 0.50% · 4.625%
HK$119,315
+HK$6,844/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,942/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,740
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,898
−HK$3,203/mo
Today · 4.125%
HK$124,101
baseline
▲ 0.50% · 4.625%
HK$130,643
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,202/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,873 · Scale 2, in force from 26 Feb 2026)